Health
Health insurance is vital. But choosing the right carrier and the right coverage can be difficult. You may also qualify for an APTC (advanced premium tax credit) or Cost-Sharing Deductions to help make your health plan a little more affordable. Call us and we will help you navigate the options and get you the coverage you need.
Health Coverages
Advanced premium tax credit
The advanced premium tax credit (APTC) is an advanced monthly credit applied toward your monthly premium. To qualify for an APTC, you must fill out an application and apply. The amount awarded is based on the total household income for the current year.
Short-term health plan
Short-term health insurance is designed to cover you when changing jobs causes a break in coverage. Short-term plans can go from as little as one month up to 6 months of coverage.
Cost sharing reductions
If you qualify for financial assistance with your monthly premium (APTC), you might also qualify for additional savings on the out-of-pocket costs, deductibles, coinsurance and copayments.
Aflac®
Aflac® is different from health insurance. It’s insurance for daily living. It pays cash benefits directly to you unless otherwise assigned, to help with daily expenses when you’re sick or hurt. The benefits are pre-determined and paid regardless of any other insurance you have.
Affordable Care Act Plans
The ACA offers 4 Metallic Plans: Platinum, Gold, Silver & Bronze. To qualify for these plans, you must apply during open enrollment. You may also apply if you qualify for a SEP (Special Enrollment Period). SEP events are: marriage, birth, adoption, moving or involuntary loss of employer coverage.
Dental
Dental insurance is essential to your healthcare. We offer several different plan choices to suit your specific needs.
Vision
We can put you in an affordable vision plan that's right for you.
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Gary has been amazing with handling all of our insurance needs. After 25 years with my past insurance company, Gary beat their pricing and bulked up our policy. We have our trust in Gary’s company and you should too!
Angie Andreason Phillips - Coeur d'Alene